The type of vehicle requiring coverage is one of the biggest factors that determines the availability of low-cost auto insurance for high school students. Vehicles with reasonable performance levels, a plethora of safety features, or low incidents of liability claims will cost significantly less to insure than higher performance models.
The next list presents coverage costs for a selection of the most economical automobiles to buy insurance for.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$3,080|
|Ford Escape Limited 2WD||$3,115|
|Ford Explorer Eddie Bauer 2WD||$3,445|
|Ford F-150 XL Regular Cab 4WD||$3,450|
|Volkswagen Jetta SE 2.5 Station Wagon||$3,562|
|Ford Edge Limited 2WD||$3,615|
|Honda Odyssey EX W/Rear Entertainment||$3,624|
|Dodge Grand Caravan Hero||$3,650|
|Chevrolet Equinox LT 2WD||$3,660|
|Toyota Tacoma Double Cab 4WD||$3,650|
|Toyota RAV4 Limited 4WD||$3,656|
|Chevrolet Malibu Hybrid||$3,650|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$3,799|
|Hyundai Elantra Blue 4-Dr Sedan||$3,820|
|Ford Focus SEL 4-Dr Sedan||$3,828|
|Chevrolet Impala LTZ||$3,855|
|Toyota Corolla LE||$3,861|
|Toyota Camry XLE||$3,855|
|GMC Sierra SLT Extended Cab 4WD||$3,892|
|Jeep Grand Cherokee Limited 4WD||$3,899|
|Ford Fusion SEL 4-Dr Sedan||$3,892|
|Honda Civic Hybrid 4-Dr Sedan||$3,900|
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Table data assumes single male driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in your specific Irvine, CA location which can influence prices noticeably.
Based upon these rates, we can infer that models like the Honda CR-V, Ford Escape, Toyota Prius, and Ford Explorer will definitely be the most economical vehicles to insure for teenagers. Car insurance rates will tend to be more expensive because of the fact that there is a higher risk for high school students, but in general those makes and models will tend to have the least expensive rates that you’ll find.
For teenagers, one of the largest considerations that aid in calculating the price you pay for insurance is where you keep your car. Regions with more people or even just more weather-related claims tend to pay more, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.
The table below ranks the most expensive places in California for high school students to purchase auto insurance in. Irvine shows up at #23 having an annual price of $1,330 on average, which is approximately $111 each month.
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Annual rates are comparative as the garaging address in Irvine can decrease or increase auto insurance rates greatly.
Determining which companies offer the lowest-priced car insurance rates for high school students requires a tad more effort in order to find coverage that fits your budget.
Every insurance provider has their own guidelines to determine premium rates, so to begin we’ll rank the lowest cost car insurance companies in California.
Find Cheaper Auto Insurance for Students
|Rank||Company||Cost Per Year|
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USAA normally has some of the cheapest car insurance rates in Irvine at around $1,121 a year. This is $530 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the best Irvine, CA auto insurance companies.
In the above example, if you are a customer of Century National and switched to USAA, you might realize a yearly savings of in the neighborhood of $105. Drivers with Nationwide might save as much as $129 a year, and 21st Century policyholders might lower prices by $245 a year.
To find out how much you can save, click here to get quotes or visit any of the companies below.
Bear in mind that those premiums are averaged across all insureds and vehicles and do not take into consideration a specific location for high school students. So the insurer that can offer the best rates for your situation may not even be in the top 24 companies shown above. That points out the importance of why you need to get auto insurance quotes using your own specific driver and vehicle information.
The example below shows how different deductible levels can raise or lower premium costs when researching cheap insurance for high school students. Data assumes a single male driver, full physical damage coverage, and no discounts are factored in.
In the chart above, a 50-year-old driver could lower their policy premium by $362 a year by changing from a $100 deductible to a $500 deductible, or save $546 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could drop their prices up to $1,190 every year by choosing a higher deductible.
If you make the decision to raise deductibles, it’s a good idea to have additional savings on hand to satisfy the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Picking a high-quality company is difficult considering how many companies there are in Irvine. The information listed below can help you analyze which companies to look at comparing rate quotes with.
These ratings only include the largest companies in the United States, so companies with more of a regional focus will not be included in this list. To compare price quotes from these and other companies in California, click here.
Top 10 Major Auto Insurers in Irvine Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Major Auto Insurers in Irvine Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Last year’s bargain might be this year’s rip off
Irvine, CA car insurance rates are calculated based on many things which can substantially decrease or increase the price you pay. Simply improving your credit, moving to a different location, or getting a ticket for careless driving may cause policy rate changes that can make some companies much cheaper than others.
And not only may your rating factors change, but auto insurance companies change their prices without warning to help ensure profitability. Heavier than normal losses can result in price increases, while lower claim levels can cause cheaper Irvine car insurance rates.
To illustrate this point, the chart below shows rates for the cheapest car insurance in Irvine, CA for a 40-year-old male driver with no prior claims, no tickets, and good credit. If we compare prices based on his personal risk profile, USAA may offer the most affordable car insurance rates in Irvine at $1,148 a year. This is $503 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the cheapest Irvine, CA auto insurance companies.
Now we will pretend the driver in the first example a claim surcharge, a lower credit rating, and a speeding ticket. Because each company uses their own calculation to set their prices, analyzing rate quotes may now present a substantially altered list of the cheapest Irvine car insurance companies as shown below.
Grange now has the lowest price on auto insurance in Irvine, CA with Progressive, Allstate, Mercury, and GEICO also being competitive. This demonstrates why it is so important to shop around with many companies to find affordable car insurance quotes for high school students. Auto insurance prices can be determined by many risk factors and change dramatically, so the best option the last time you compared rates may now cost much more than other companies.
How to find budget-friendly insurance for high school students
The list below details many money-saving suggestions that can help you locate more affordable coverage.
- Remain accident-free and save
- Avoid speeding and other traffic citations and pay less
- Increase your physical damage deductibles
- Claim-free drivers earn discounts
- Remove physical damage coverage on older vehicles
- Shop around for cheaper prices often
The last tip is notably critical, as we discussed in the prior information. Prices charged by companies fluctuate constantly, so drivers shouldn’t be resistant to switch to a new company if you can save money. Staying with the same company for years is fine, but is isn’t recommended if that dedication is costing money that could be spent on other things. Now is a great time to compare rates and find cheaper car insurance for high school students in Irvine.
The insurance agencies below can most likely answer your questions and help you decide which insurance coverage will be best for you, since some drivers wish to get some help when shopping for the best coverage for high school students. It can be complicated to find the cheapest auto insurance company, so a professional agent can add peace of mind knowing your coverage gives you adequate coverage if you have an accident or claim. To locate an Irvine car insurance agency by location nearest to you, click the button below the list or click here to get price quotes now.
Ray Vermeulen – State Farm Insurance Agent
2151 Michelson Dr #242 – Irvine, CA 92612 – (949) 752-6335
Chris Barr – State Farm Insurance Agent
17802 Irvine Blvd a121 – Tustin, CA 92780 – (714) 544-2558
State Farm Insurance Agent: Kevin Chhiv
2101 Business Center Dr Suite 110 – Irvine, CA 92612 – (949) 202-0338
State Farm: Jim Canty
3200 El Camino Real #110 – Irvine, CA 92602 – (949) 769-2600